as for LOC warehouse lines prior to the GFC those were widely available.. now a days I think the chance of a start up getting one is remote at best unless the owners have monster balance sheets and are going to of course personally guarantee. hedge fund type companies out of NY entered the space when local community banks use to dominate it.. prior to the GFC I had 5 warehouse lines with banks Local to the Portland Or metro area..

prior to that you could retail houses in south Jackson normal fix flip sell to first time home buyer.. we would get 80 to 100k for them .. then you had massive movement of section 8 renters out of the storm transferred the entire social scene there and it became renter dominated and you could no longer do fix and flip retail .. very sad situation actually. 

There is such a thing as being "fake scrupulous"and it sounds like you are letting you fear dominate this.

This workshop, on the other hand, was dominated by education and networking, not sales pitches.The only thing they tried to sell us was their mentoring programs which, again, are better than any I've ever seen.

I used to tell people all the time, think of your home as your favorite football player.

Problem with most of these types of discussions is that they heavily dominated by Accountants and CPAs who need to just their high fee structure.   

Big players are in the mid 7s but it’s like a bank loan.

You know, until I become one of the major players...

Now, they won't give me the time of day, because they are too busy catering to the big money investors.not really big money players just more experienced and not nervous nellie investors.. 

As for free markets, if company A has the best product and owns the majority of the market... as long as they are not anti-competitive and/or violate anti-trust laws... they are allowed to enjoy a dominant market share.